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Type of Account Current Account Typical Interest Rate 0.8% AER Type of Debit Card HSBC Visa Debit Card Debit Cards Bank Account Fees FREE Banking Representative Example: 19.9% Interest p.a (variable). Subject to Status and Application. HSBC Current Account, Show Info - HSBC Current Bank Account - More Info

Type of Account Basic Bank Account Typical Interest Rate 0.8% AER Type of Debit Card Natwest Visa Debit Card Debit Cards Bank Account Fees FREE Banking Representative Example: Up to £100 at 0% Interest p.a (variable). £101 + at 18.3% interest p.a (variable). Subject to Status and Application. Natwest Plus Current Account, Show Info - Natwest Plus Current Account - More Info

Type of Account Basic Bank Account Typical Interest Rate 0.8% AER Type of Debit Card RBS Visa Debit Card Debit Cards Bank Account Fees FREE Banking Representative Example: Up to £100 at 0% Interest p.a (variable). £101 + at 18.3% interest p.a (variable). Subject to Status and Application. RBS Standard Current Bank Account, Show Info - RBS Standard Bank Account - More Info

Type of Account Basic Bank Account Typical Interest Rate 0.0% AER Type of Debit Card Barclays Visa Debit Card Debit Cards Bank Account Fees FREE Banking Representative Example: Up to £5000 at 19.3% Interest p.a (variable). Subject to Status and Application. Barclays Bank Account, Show Info - Barclays Basic Bank Account - More Info

Type of Account Credit Account Typical Interest Rate 5.0% AER Type of Debit Card Santander Visa Debit Card Debit Cards Bank Account Fees FREE Banking Representative Example: 0% Interest p.a (variable) for the first 4 months when you switch. After 4 months the overdraft rate will be 19.9% Interest p.a (variable). Subject to Status and Application. Santander Preferred Current Accountt, Show Info - Santander Preferred Current Account

Listed above are debit cards with bank accounts available under your search. Just click on the find more information button to get further details about the best debit cards to choose from.

How do debit cards work?

Since their launch in 1987 debit cards have established themselves as the most popular card payment with consumers. Initially debit cards were developed as a convenient and cost-effective alternative to point-of-sale cheques, debit cards are increasingly being used as a substitute for cash.

Debit cards operate like cash or a personal cheque. When you use a debit card the money is immediately deducted directly from your current account. As long as you have enough money in your account you can use your debit card to buy things in person, over the phone, by mail order and over the Internet. While a credit card is a way to "pay later", a debit card is a way to "pay now". In addition, they can be used to get up to £50 cash back from merchants offering that service.

Debit cards are linked directly to your bank account. You can use them to buy goods or withdraw cash and the amount is taken from your account right away.

You can also use a prepay debit card to get 'cash back' from certain shops where you buy goods and also ask them for money back from the cashier. The total amount is deducted from your account right away.

When using a cash machine or paying for goods with a debit card you'll need to enter your PIN (personal identity number). When using your debit cards to buy goods you usually enter your pin number into an electronic hand held device, but in some cases you may have to sign.

Most bank accounts offer debit cards. Most debit cards double up as ' cheque guarantee cards', guaranteeing that your cheque will be honoured by your bank up to a stated amount.

What happens if there's not enough money in your account?

This will depend on the type of debit card you have:

If you go overdrawn the charges you'll pay will depend on whether or not you have an authorised overdraft arrangement with your bank. If you do, you'll pay the agreed amount of interest at the end of each month. This is usually much lower than interest charged on credit cards.

If you don't have an overdraft agreement, or you exceed the agreed limit, your bank may allow the payment to go through but you'll usually pay much higher fees than if you had an agreed overdraft.

Using debit cards over the phone or internet

Debit cards can be used to make payments by phone or over the internet. In this case you'll need to provide certain details that are printed on your debit card. Please be aware that debit cards do not offer purchase protection or payment protection. This is currently being reviewed and hopefully soon debit cards with purchase protection should be available.

Debit cards are used in nearly (45%) of all prepayment transactions, Debit cards which run to about 24.5m a year. Online sales accounted for 61% of purchases that were never received when using debit cards.

Free debit cards are available with some bank accounts and usually with basic bank accounts with no added frills or benefits. check out the terms and conditions before you buy debit cards.

Remember using debit cards abroad will incur charges - Consider a travel money card instead

When using debit cards abroad you will incur bank charges. These range from providers but on average work out around 2.75% when doing an overseas transaction to £1.25 to £1.50 when withdrawing cash from an ATM. apply debit cards

Choose an account based on what you need it for

Not all cash card accounts cover all services so choose the accounts that offer you the best service for each of your requirements. By opening a debit card bank account you can manage your money as and when you want.